I'm pretty sure you have a 60 day (I think) window period where you can sign up for part B without a penalty due to the "lifechange" of your wife loosing her job. If you wait too long you will end up paying a higher premium.

Are you saying you used her job insurance rather than taking and paying for Part B when you became Medicare eligible? My husband is doing the same...took his Part A when he turned 65 but is still working and his company pays for his health insurance in full so he declined Part B and D for now.....about what you have done I'm guessing?

There used to be a penalty for not taking Part B and D when you got Part A but that was done away with as part of the new health care bill...first thing that went into effect. If you now want to start Part B, just contact Medicare and tell them you now want to sign up for Part B and possibly Part D(the drug coverage) or even an Advantage plan or a Medigap plan.. You can start it at any time.....that is what Medicare told us when my hubby opted out on his Part B.

Thanks for the help and the "life change" info she had an excellent plan that got so expensive this year we had to take the low option. We made 27k together and she even got a $250 bennie card to pay for deductibles. Seems changes with OB care really slammed us. I'll see what goes on in the next 60 days. They have this Humana care you can sign with, which I guess is a part B choice)